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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,689 | $78,423-41.7% | $95,964-52.4% | $79,856-42.8% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 8.40% | 19.37%-11.0pp | 91.64%-83.2pp | 31.71%-23.3pp |
| Employer contribution / active EE | $3,001 | $1,945+54.2% | $2,541+18.1% | $2,471+21.4% |
| Participant deferral / active EE | $4,597 | $3,440+33.6% | $4,167+10.3% | $3,741+22.9% |
| Admin fee / account holder | $885 | $5,622-84.3% | $6,797-87.0% | $5,306-83.3% |